What have been the returns on my AMP investments?
What's the right investment for me?
What is a managed fund?
What are the advantages of a managed fund?
What's a PIE?
Can you tailor a portfolio to my individual investment and saving goals?
Is AMP a finance company?
How do I know that AMP will look after my investments?
What if I'm only saving for something I want in the next few years?
Why do I need an Adviser?
Investment markets have been up and down of late. Why should I stay invested?
I've heard that AMP WealthView is a 'wrap'. What is this?
If you're invested in AMP WealthView, you can log-on to your account to get information about the returns from your investments. Go to the WealthView log-on screen.
For AMP's other investment products, go to investment returns and unit price information.
A combination of factors determines which investments are more suitable for you. As well as any specific investment objectives (i.e. whether you're investing for a short term goal such as a holiday, or for the longer-term such as your retirement) the type of investor you are plays a crucial part in determining what investments you should hold. Your AMP Authorised Financial Adviser uses the AMP Risk Profile Questionnaire to help you identify which investments may suit your appetite for risk. Using your questionnaire results, they'll work with you to structure an investment portfolio that can help you meet your financial goals while staying within your comfort zone.
Complete the AMP Risk Profile Questionnaire to find out what types of investments might be right for you.
When you invest in a managed fund, you put your money together with other people's money. A professional fund manager manages this pool of money. The fund manager must tell you (in the Investment Statement), what type of managed fund you're investing in. For example, you might be looking to invest in a managed fund that invests only in New Zealand shares. This type of managed fund is called 'single sector' because it only invests in one sector (i.e. shares).
Another type of managed fund is a 'diversified' fund. This type of fund seeks to give its investors broader exposure to different types of investments (such as cash, shares, bonds and property).
Find out what managed funds AMP offers.
Your money is pooled together with that of others. Because of this, investors in a managed fund have greater collective buying power. This means they can access investments they otherwise may not have been able to as individuals. And since all investor money is combined, the manager of a fund can purchase a greater number of different investments. This brings diversification benefits and is likely to result in the fund being able to deliver more stable returns. This is due to the 'smoothing' effect that results from balancing strong performing investments with weaker performing ones. The fund is managed by a professional who dedicates their working day to being in the know - by researching companies, investments and markets. This puts them in a stronger position to make investment decisions. Finally, the costs of the fund are spread across all investors in that fund, meaning generally lower trading and administration costs.
A PIE, or a Portfolio Investment Entity, is a type of managed fund. It is similar to an ordinary managed fund in terms of how it invests and the benefits to investors, but is taxed differently. Instead of being taxed at the company rate, investors in a PIE are taxed at a rate that is unique to them (their 'PIR' or 'Prescribed Investor Rate') - which is determined by a number of factors. This means that some investors may be taxed at a lower rate, thereby making this type of investment more beneficial to them. For more information, please visit the Product Information and Forms page to download the relevant prospectus.
Absolutely - that's exactly what we're about at AMP. We know that everyone's situation is different, which is why you need a plan tailored to your own individual circumstances. When you first meet with your Adviser, you'll discuss your current situation and what your investment goals are. Some Advisers are qualified to use their experience, the various tools that AMP provides and AMP's broad range of investment products to create an investment plan that can work for you. Get in touch with an AMP Adviser.
No, AMP is not a finance company. Typically a finance company borrows money from investors and lends it out to others at a higher rate of interest. In the past, finance companies have been known to lend money to more speculative areas of the markets, such as property development. AMP does not lend out client money. We invest your money in quality investment funds or individual assets, all of which are carefully chosen by the team at AMP. These funds are managed by professional fund managers. Our intention is to grow your money and manage it sensibly so you are able to achieve your financial goals. Find out more about AMP and its history.
AMP has been providing financial products in New Zealand for over 150 years. With AMP your money is invested in quality managed funds, all of which have undergone independent external scrutiny. All of the funds we offer have a trustee, who's responsible for protecting the rights of unit holders. The trustee holds your assets, approves all major decisions and makes sure that the manager (AMP in this case) is following the rules.
Even if you're saving for a short-term goal, it pays to have a plan that can help you achieve it. For short-term investments a low risk investment is likely to be more appropriate for your needs. Your Adviser can provide you with advice and can recommend investments that are less volatile and are more likely to retain their value.
Whether you've got a lot of money or very little, it's usually beneficial to get advice and take a structured approach to your finances. A financial planner can help you set a roadmap for where you want to go, and recommend effective ways to help you get there. AMP Authorised Financial Advisers are specialists in their field and are trained to provide you with quality advice. They have a variety of tools and research and some can develop a financial plan specifically for you. Find your nearest AMP Adviser so that you can start on the road to financial planning.
Investments can be volatile and on a day-to-day basis their value can rise and fall. You and your Authorised Financial Adviser will have established an investment plan in accordance with how much risk you feel comfortable with taking and how long you want to invest for. Assuming your goals haven't changed, it's important you stick to your plan and don't alter your strategy simply because markets are going through a rough patch. You wouldn't normally sell your home when the housing market is going through a down period - the same principle applies to your investments.
AMP WealthView may occasionally be referred to as a wrap service. This is because it offers access to a wide range of different investments and 'wraps' them all up into a single account. You can access a range of investments in one place, making it easier for you to change your investments as your circumstances change. Your Adviser has access to a variety of investments from which they can tailor a portfolio to match your needs. You get one statement which shows you all of your investments, easier, consolidated tax reporting and you can go online to check on how your investments are performing. You just need to instruct your Adviser (or if you're comfortable with it, your Adviser can make decisions for you) and the rest is taken care of. Find out more about what AMP WealthView has to offer.
A disclosure statement for each Adviser is available, on request and free of charge.
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